Auto Loan Rates in Vermont (VT) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Vermont. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Vermont include ORLEX Government Employees Credit UnionORLEX Government Employees Credit Union5043 US Route 5, Newport, VT, 05855 4543A5.0 ★Texas Ratio: 11.17% offering Autos Loans New at 3.50%, Northern Lights Federal Credit UnionNorthern Lights Federal Credit Union1004 Memorial Dr, Saint Johnsbury, VT, 05819A+5.0 ★Texas Ratio: 0.30% offering Auto Loans at 3.79%, North Country Federal Credit UnionNorth Country Federal Credit Union69 Swift St, S Burlington, VT, 05403A5.0 ★Texas Ratio: 7.37% offering Vehicle Loans at 4.83%, TrustCo BankTrustCo Bank215 North St, Bennington, VT, 05201A+5.0 ★Texas Ratio: 3.16% offering Auto Loans: New Vehicle at 4.99%, Credit Union of Vermont Credit UnionCredit Union of Vermont Credit Union2 S Main St, Rutland, VT, 05701 4262A+5.0 ★Texas Ratio: 0.16% offering New Vehicle at 5.05%. Auto loan rates as of May 3, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Vermont side-by-side. Vermont auto loan rates currently start as low as 3.50% APR from ORLEX Government Employees Credit Union at 5043 US Route 5, Newport, VT, 05855 4543. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Vermont. Auto Loan Rates Last Updated and Verified: May 3, 2026
Compare Auto Loan Rates Today in Vermont
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedApr 19, 2026
Details
Northern Lights Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
1004 Memorial Dr, Saint Johnsbury, VT, 05819
Auto Loans
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rates may vary based on credit worthiness
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
69 Swift St, S Burlington, VT, 05403
Vehicle Loans
4.83%
for up to 24 months
▼
APR4.83%
Termfor up to 24 months
Last UpdatedApr 27, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 3, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Vehicle Loans
5.05%
36 month
▼
APR5.05%
Term36 month
Last UpdatedApr 19, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 3, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Vehicle Loans
5.50%
60 month
▼
APR5.50%
Term60 month
Last UpdatedApr 19, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
5.50%
2 Months
▼
APR5.50%
Term2 Months
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
5.75%
3 Months
▼
APR5.75%
Term3 Months
Last UpdatedMay 3, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Vehicle Loans
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedApr 19, 2026
Details
As Low As
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.00%
3 Years
▼
APR6.00%
Term3 Years
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
6.00%
4 Months
▼
APR6.00%
Term4 Months
Last UpdatedMay 3, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMay 3, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
6.25%
5 Months
▼
APR6.25%
Term5 Months
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan 1-3 Years Old
6.49%
3 Months
▼
APR6.49%
Term3 Months
Last UpdatedMay 3, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Vehicle Loans
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.50%
5 Years
▼
APR6.50%
Term5 Years
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
6.50%
6 Months
▼
APR6.50%
Term6 Months
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan 1-3 Years Old
6.74%
4 Months
▼
APR6.74%
Term4 Months
Last UpdatedMay 3, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.75%
6 Years
▼
APR6.75%
Term6 Years
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan 1-3 Years Old
6.99%
5 Months
▼
APR6.99%
Term5 Months
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan 4-7 Years Old
6.99%
3 Months
▼
APR6.99%
Term3 Months
Last UpdatedMay 3, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2022 to 2026
7.00%
6 Months
▼
APR7.00%
Term6 Months
Last UpdatedMay 3, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
New Auto
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedApr 27, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2013 to 2017
7.25%
4 Months
▼
APR7.25%
Term4 Months
Last UpdatedMay 3, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2018 to 2021
7.25%
6 Months
▼
APR7.25%
Term6 Months
Last UpdatedMay 3, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
New Auto
7.74%
96 Months
▼
APR7.74%
Term96 Months
Last UpdatedApr 27, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Vehicle Loans
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details
As Low As
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2012 & Older
9.00%
3 Months
▼
APR9.00%
Term3 Months
Last UpdatedMay 3, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 3, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 3, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
5.50%
2 Months
▼
APR5.50%
Term2 Months
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
5.75%
3 Months
▼
APR5.75%
Term3 Months
Last UpdatedMay 3, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.00%
3 Years
▼
APR6.00%
Term3 Years
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
6.00%
4 Months
▼
APR6.00%
Term4 Months
Last UpdatedMay 3, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans New
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
6.25%
5 Months
▼
APR6.25%
Term5 Months
Last UpdatedMay 3, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.50%
5 Years
▼
APR6.50%
Term5 Years
Last UpdatedMay 3, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
33 S Main St, Northfield, VT, 05663
Auto Loan New
6.50%
6 Months
▼
APR6.50%
Term6 Months
Last UpdatedMay 3, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
2023-2026 New Vehicles or Vehicles with <5000 MILES
6.75%
6 Years
▼
APR6.75%
Term6 Years
Last UpdatedMay 3, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
New Auto
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedApr 27, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
84 Pine St, Burlington, VT, 05401 4441
New Auto
7.74%
96 Months
▼
APR7.74%
Term96 Months
Last UpdatedApr 27, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
New Vehicle
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023, 2024, 2025 models with 30,000 miles or less
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 19, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 North St, Bennington, VT, 05201
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMay 3, 2026
Details
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2022 to 2026
7.00%
6 Months
▼
APR7.00%
Term6 Months
Last UpdatedMay 3, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2013 to 2017
7.25%
4 Months
▼
APR7.25%
Term4 Months
Last UpdatedMay 3, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2018 to 2021
7.25%
6 Months
▼
APR7.25%
Term6 Months
Last UpdatedMay 3, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Used Vehicle
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022 model or older, or any year with more than 30,000 miles
Wells River Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
34 Main St N, Wells River, VT, 05081
Used Auto Loans 2012 & Older
9.00%
3 Months
▼
APR9.00%
Term3 Months
Last UpdatedMay 3, 2026
Details
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MonitorBankRates
Vermont Auto Loan Rate Trends
Compare local Vermont auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — VT Avg
6.721%
Unchanged vs 7 days ago
Vermont new auto loan rates currently average 6.721% APR.
Used Auto Loan — VT Avg
7.351%
▲ 0.979 vs 7 days ago
Vermont used auto rates rose 0.979 points over the past 7 days to 7.351% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Vermont
How does my credit score affect my car loan rate in Vermont?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Vermont with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Vermont *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Vermont typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Vermont?
Based on our current data, some of the lowest auto loan rates available in Vermont include:
- ORLEX Government Employees Credit Union: 3.50% (Autos Loans New)
- Northern Lights Federal Credit Union: 3.79% (Auto Loans)
- North Country Federal Credit Union: 4.83% (Vehicle Loans)
- TrustCo Bank: 4.99% (Auto Loans: New Vehicle)
- Credit Union of Vermont Credit Union: 5.05% (New Vehicle)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Vermont. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 3, 2026
Auto Loan Rates by City in Vermont
Rate Assistant
MonitorBankRates.com · Live Data
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